Call reports 2022
CITIZENS STATE BANK — 2022
What CITIZENS STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 319,999,000 | 304,374,000 | 323,851,000 | 351,648,000 |
| Total loans | 221,463,000 | 233,913,000 | 262,990,000 | 277,453,000 |
| Allowance for loan losses | 3,636,000 | 3,630,000 | 3,657,000 | 3,784,000 |
| Securities available for sale | 49,022,000 | 46,928,000 | 44,489,000 | 43,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,789,000 | 263,597,000 | 273,443,000 | 304,893,000 |
| Interest-bearing deposits | 212,076,000 | 205,317,000 | 210,750,000 | 237,319,000 |
| Noninterest-bearing deposits | 56,714,000 | 58,280,000 | 62,693,000 | 67,575,000 |
| Equity capital | 32,613,000 | 32,224,000 | 31,894,000 | 32,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,645,000 | 5,516,000 | 9,022,000 | 12,974,000 |
| Interest expense | 149,000 | 309,000 | 563,000 | 1,182,000 |
| Net interest income | 2,496,000 | 5,207,000 | 8,459,000 | 11,792,000 |
| Noninterest income | 312,000 | 691,000 | 886,000 | 1,158,000 |
| Noninterest expense | 1,768,000 | 3,680,000 | 5,721,000 | 7,839,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,040,000 | 2,218,000 | 3,624,000 | 4,961,000 |
| Income tax | 271,000 | 580,000 | 992,000 | 1,412,000 |
| Net income | 769,000 | 1,638,000 | 2,632,000 | 3,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,663,000 | 34,332,000 | 35,126,000 | 35,843,000 |